Comenity

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Consumer Complaints and Reviews

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Satisfaction Rating

I was a Comenity bank customer with Avenue...Lane Bryant and Metrostyle. Well I fell 2 months behind on Lane Bryant and Metrostyle. I reached out to them to let them know about my financial situation changing and tried to make arrangements to pay and to keep my accounts in good standing. Well after the arrangements were agreed upon by myself and the bank...they closed my accounts with the exception of the Avenue account which was not behind in payment...that was in 2015...so I just paid them until they were done!

Well the summer of 2016 they closed my Avenue account with no notice because according to the bank of the issue with the other accounts in 2015... They stated because of some new bs policy that all of a sudden emerged! I have a balance that is still due here to which I pay on time every month... Most of the time I pay it early! The bottom line they make up policies as they go and whenever they feel like and then THEY ARE ENCOURAGING ME TO REAPPLY! Really Comenity? So you can close the account after a week. I DON'T THINK SO!

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We frequently shop at Pottery Barn and use their store credit card (provided by Comenity Bank). While shopping at a local store in December 2016, the sales associate had trouble with the card being read by their charge unit. She completed the transaction by simply entering the numbers manually. She suggested we request a replacement card. Good luck with that. After nearly two months trying, and being told by phone that a replacement was being sent that day (mid-January), no card. We did get a letter (the third) saying they had tried to reach us, to no avail. So would not send the card. BS!!!

I wrote a letter and enclosed the card (shredded). I stated that we were frustrated by their lack of assistance, and were returning the card which was figuratively and literally of no use in the store. I also added that we would continue to shop at Pottery Barn, and would simply have the associate look up our number for each prospective sale. The response was yet another letter. Thanked for our past association, the account had been closed. Not only TONE DEAF, but totally missing the point. Oh, the letter also stated what our outstanding balance on the card was. Naturally, the balance had been paid off five days prior to the date of the letter.

Customer service is a joke. If something this simple gets hosed up, what chance does anyone have resolving a financial problem? Besides the 'humor' in all of this, there is a silver lining to look forward to. The next time we are at Pottery Barn and make a purchase, we will open up a new account and receive their 'new customer' discount.

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I'm reviewing Comenity Bank's Visa card for William and Sonoma and my recent experience with them. I was shopping their website and got a credit card offer and applied, was approved for $1500 CL. This company is down right dirty for doing what they done to me. Not only did they offer me the CC but sent it out and let me activate it then told me "Congratulations you can now shop with your new CC!"

Well I called to set up my PIN number right after that (glad I did to save me embarrassment!) and was told my card had been cancelled and a letter was being mailed out to me for the reason but I have a Victoria Secret card with them that I have made 2 payments on before the due date and had another payment coming out on the 3rd so I cannot wait to hear their reasoning behind this behavior. Just forewarning anyone expecting a CC from Comenity to be on the lookout for it to be just a card that worth nothing to you, only a negative affect to your credit score!

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I have two accounts with Comenity. DB and VS. I've fallen behind on payments due to working partime. Account was sent to recovery dept. The reps are rude and nasty. Being nasty isn't going to make me pay any faster. They need not to harass clients and threaten them about account going to an attorney. The reps are unprofessional and some yell and interject. Hire better folks!

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Since Comenity took over Credit Card payments for Boscovs, we have been hit with 2 $25.00 late fees already, one last August and now in January. I mail all our payments in the same time frame to make sure they arrive on time and we have never been assessed this except for the Comenity-Boscovs card. That seems to be somewhat of a coincidence and when I called Comenity, they said they can't waive it since we already had the late fee last August and it was within an 18 month period. This is a rip off and I canceled my account but my wife kept her card but they aren't getting any more of my money.

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I don't owe this bank any money and have not borrowed any money. Yet they continue to stalk and harass me with threatening phone calls. I did apply for credit through Aspen Dental but never needed the credit, so I don't owe any money. Will also never use Aspen Dental because of their affiliation with this bank. My plan is to file a complaint with the Ohio Better Business Bureau. Don't waste your time with these unscrupulous people. If you can't pay cash for your items, then keep walking.

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I received 2 phone calls from Comenity Bank today telling me that I am missed my last payment of $21.65 and I now have 2 months of late fees due. The first caller told me it was on an order that had been returned to HSN and the second called me that it was on an order that I placed at HSN in May of 2016 and I need to pay $75 or I will be turned over to collections. However, if I paid $50, he back out one of the late fees. When I called HSN to get some info on this, they could not help me, said I need to call the bank because they cannot call the bank on my behalf, but they could do a 3-way conference call. Well, I got disconnected. Called my bank and my web payments have been taken out of my account, but Comenity did not credit my account.

The first "guy" I talked to at Comenity should not even be in customer service. Very rude, arrogant and condescending. I asked why I was not billed for the last payment. He accused me of changing my email on my account. Why would I do that? There was not talking to this jerk. I asked him to HSN for a 3-way conference call and he refuses, telling me he doesn't even have their number to do so. Called HSN to get some help on this, which they could not do, but said she just got off the phone with a Comenity in a 3-way call. So she transferred me to Comenity. I asked for a Manager, and the "manager" was even worse than the first jerk that I talked to. He said there was no need to call HSN because he can see my account. They took my $50 payment and I hung up on this jerk.

Do not deal with this bank, unless you have money to just throw away. I have read a lot of reviews on Comenity and there is nothing good about this bank. Trust me. Those purchases that you are making using a Comenity Bank card are not worth it. I only used it at HSN, but have stopped shopping at HSN due to this. Oh, did I mention, Comenity Bank has done this to me TWICE now. So I am done!!!

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I think Comenity makes it a habit of not sending your first bill so you get charged late fees. Twice, two different store cards ran by Comenity, I did not get a bill after my first purchase. Obviously without a bill, it did not get paid. Started getting phone calls for payment before an actual bill came (again, with both of these accounts). When it did show up there was a late fee.

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I got a call from Comenity saying I was late on a payment. I explained my situation of losing my own debit credit card. Then got informed I was 2 months behind. I made purchase at the end of Nov. Just got a bill and the payment due date was 1-6-2017. So how am I behind two payments? That is a crock.

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I opened a new account with this bank via special offer through ULTA. I tried to use my new CC (brand new account, no late fees, no overage on my end) but it was declined - no reason provided. Happened 2 times... I called the bank and found out they had closed my account without any notification to me. I am closing out this account, for sure. I have nothing positive to say about this experience.

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I have had difficulties with the payment side of this company. A number of times I have had to make a payment after it was electronically sent in because I found it difficult to get that part of their payment system to work either as a single payment or trying to make monthly payment set up. I was getting late charges with statements and after a while I found the only way to make a payment that was processed was by phone. After making a final payment, I got a statement saying that I owed another late charge. Today I called them and told them that the statement I received was incorrect and that I refused to pay any further late charges. I had closed the account on the 5th of January and at first they could not remove the late charge. I finally got hold of someone, who as a courtesy said she would remove it. I suggest that if you are going to order from this group use your own credit cards and leave their Comenity Card out of the situation altogether.

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I get that working for this creditor/bank cannot be a walk in the park, but their employees are rude, condescending, call multiple times/day (not just you, the card holder, but your family members, too), and then make up excuses why they're allowed to do this, and state that their employees never dealt with you in an unprofessional manner. Please avoid if you can!

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COMENITY Bank is the biggest rip-off company I've ever encountered. They pounce on you one minute after your $1 payment is due and quickly charge you $27. It happened to me 2 months in a row. That's $54 down the drain with nothing to show for it. I closed this account right away. I feel lucky compared to the hundreds of other horror stories I sat and read from other consumers. How long can these scam artists be allowed to prey on consumers trying to build their credit? Stay away from this company and spread the word.

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This bank is a total rip-off... I try to make payments to them online and their system will not accept them. Obviously they do this so they can add a late fee to your account. Paying by phone gets even better... It's a $9 fee just to talk to a customer service rep, even if you're paying from your checking account. I sincerely believe that Comenity Bank's practices should be investigated.

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While shopping at Overstock.com, during my check-out I was advised I had been pre-approved would I like to accept the offer, I subsequently did. The same scenario occurred with J. Crew, Sportsmans Guide, and Express. I never authorized or gave permission to have my credit file accessed with a hard pull, I never provided my entire social security number. After receiving a denial letter for the Express account which indicated first party fraud, I called in on 12/13/16 and spoke with a Jonathan who was completely oblivious and said he'd never heard of anything like that before o_O, thus I requested his supervisor, she then gets on the phone and calls me Eric confused as that is not my name and I had just previously spoken to someone I wasn't sure why she would randomly call me that!

Diane told me I would need to wait 30 days for the Express account, due to the number of inquiries, however my other accounts that were recently opened were just fine. Fast-forward to 12/21 I attempted to activate my Sportsmans Guide I had just received in the mail, it was not activated, I was told it was reviewed and closed due to number of recent inquiries on 12/16/16, I was told by Mary, my J. Crew and Overstock were not affected. I called into the executive office to see about reinstating my accounts, I have a FICO of 754, it defeats the purpose of pre-approving someone only to close an account a week later.

This does damage to AAoA, Inquiries, etc. and is an egregious archaic form of banking lacking in sufficient logic. I find this behavior to be very misleading, unfair, and deceptive not to mention when you call for clarification you receive ambiguous responses. Every time I have made contact with them whether initiated or received, they ALWAYS address me by a DIFFERENT name! Today I was JASON! As someone with anxiety and bipolar, this type of verification is stupid, here you have me giving you my account number but you call me by a different name. What type of dumb ish is that. You don't JASON from Jé.

I was told the department doesn't take calls but an e-mail will be sent over to see about reinstating my accounts. This information should not be reported on my credit bureau reports, or marked closed by credit grantor, I want all activity (any inquiries and accounts) from Comenity bank DELETED and ERASED from all my credit reports for obvious reasons. I want to return all merchandise I bought from each company and refrain from doing future business with them or this horrible bank.

There is a serious flaw in their business module and it needs to be adjusted, it is giving them a bad name with potential business and affecting the business accounts they serve. Bottom line, people don't want to do business with a company who has such irregular behavior. It is not fair to have my credit reports affected for years to come because of their incompetent banking policies. Deceptively opening the accounts with bait-and-switch only to have adverse actions affect these reports into the future that we have been working so hard to solidify is absolutely INFURIATING!! Chutzpah! They clearly lack ethics in terms of honoring fair lending practices.

Approving an account for a week only to create a negative impact on the CRBs for years to come is Unfair Trade Practices against consumers; an initial denial would have been one thing but to create a long term blemish is despicable! Just downright nasty and unbecoming; corporate mentality: short term bottom line. When management has no coherent vision to improve services & the bottom line, they'll try any scheme without regard to effectiveness or casualties.

Responsible lenders will treat responsible customers responsibly. All CC companies can suspend your spending privileges without shutting down your account, or reporting your credit limit at zero! What they have done is just filthy, "freeze" the cards to mitigate risk, send a notice to the customers that their accounts are frozen and will be shut down in the future, and other niceties. This would give folks a fair chance to pay off the card before it reports with a $0 CL and "Over the Limit" if they have a balance. Very PETTY! They need to fix their software. If they don't want me as a customer quit pre approving me for cards!

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I called 12/16/16, to get a one-time courtesy late fee removed. I've never been late on any of my payments, and yet this credit card did not remove the late payment, despite me making a payment for $100, which was over the minimum payment required. I also requested to have the payment due date changed, and they stated that they could not change it. Never have I had a credit card like this one, that doesn't try to negotiate with the customer. Comenity Bank, will be losing a valuable customer as a result.

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I wish I could rate them 0 stars. What kind of a company only accepts debit cards and not credit cards? I understand to an extent about it, but if it goes through and they get their money then what is the big deal?? I think that the "policy" is absolutely stupid to not accept any credit cards... Once paid off I will never use again.

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I have one account open with them. All of a sudden I'm getting bills from other places that I didn't apply for and bills on top of that. I have paid off the card that I had but somehow my payment have gotten sent back putting my bank account with extra fees. Not cool... Not to mention the harassing voicemail of I better have a lawyer when I contact them. As far as I'm concerned I paid them off and they sent my payment back. Now my credit score is very low because of them. Again not cool. Nowhere on the internet is there a number for the company customer service... But I have canceled the one card I had which also caused my drop on my credit score. So very upset I ever wanted a credit card with them.

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I recently applied for and was approved for a Sportsman's Guide Visa card with a $1500 limit. I received the card in the mail, activated it, set up all the profile information etc. Two days later I took my wife to dinner and the card was declined. I called and said the account was closed one day PRIOR to activating my new card. Needless to say, I was not a happy customer. I have read horrible reviews about this company but have 3 other accounts with them and have a perfect payment record with them, so I wasn't even concerned about any problems with my new card. I was told that I couldn't be given a reason over the phone, but would receive a letter from them explaining why. That was 10 days ago and when I log in it still shows my account as active. And still no letter explaining why.

I am likely going to close all of my accounts with this second rate organization - how can an account be closed and yet when calling in to activate the card it's looks good. Not to mention being a bit embarrassed and very pissed off about the declined charges. But I always carry a little extra cash and have other reputable credit cards that I carry, so I wasn't stuck in any way. There are many other reputable banks out there to deal with for all credit ratings - do yourself a favor - stay away from them. I always recommended them to people rebuilding their credit or just needed a secondary card for a $1000 to $2000 limit for emergencies - never again. I considered myself a very good customer - now I will consider myself a very good former customer - good riddance to bad service and second rate organization.

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I have a Williams-Sonoma card that used to be with Barclay and switched or was bought out by Comenity. I didn't know until I went to make my payment. I finally called the 800 number on the back of my card and the lady was very helpful. She informed of the switch and gave me directions on how to create an account with Comenity so I could pay my bill online (which is how I pay most of my bills these days). That is where the problem occurs. It is damn near impossible to even get on to the Comenity website. I tried from my home computer, phone, work computer... all to no avail. I finally had to call the number on the back of my card again (as this was the only way I could get a hold of anyone) and once again the lady was nice and helpful and let me make a payment over the phone with her. I have never come across a company that made it so difficult to make a payment! At this point, I will be paying this card off as soon as possible and closing the account.

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If I could give Comenity zero stars I would. I had to go out of town for a week, and I forgot to pay my Comenity credit card bill before leaving town. This caused me to be late paying my bill because I did not have the card with me so I had to wait until returning home before I could make the payment as I had not yet set up an online account with them. These people were calling me at least 10 times per day. Their behavior borders on harassment. I am definitely canceling my card with them, and I will no longer be doing business with the store with whom I have the card (Stage). My advice is to avoid doing business with this company at all costs.

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This was my first time dealing with Comenity Capital Bank of Columbus, Ohio. I applied for Boscov's credit card but I was told they could not verify my credit report at Experian because it was locked. Comenity said I should apply again after I unlock my credit information. I contacted Experian and they told me it was not locked. I was able to get my free credit report. I requested Experian to unlock it for two weeks period so Comenity Capital Bank as a vendor could have access to it. I wrote to Comenity about my action.

Few days later I got a letter from Comenity that said, "Our records show that we received more than one application from you within 30 days timeframe. Unfortunately, we do not process any additional application received within 30 days of a previous application. At the time of your previous application, we sent you a letter notifying you of our decision. We appreciate your business and encourage you to reapply for a Boscov's credit card account in the future allowing at least 30 days from the date of this letter."

After reviewing previous complaints about this bank at Consumer Reports, I have decided not to apply for Boscov's credit card from them. I can always use cash at the store or use another bank credit card if they accepts it. I don't need the headache. I think Comenity Capital Bank does not approve people who are retirees and not working. If it falls into some form of discrimination, I don't know.

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I have a card through Victoria's Secret and I had to switch jobs. I don't get paid enough to make on time payments once a month so, I've been missing payments. Comenity continues to call me on a daily basis, 10x a day some days and I do not answer because I have things around the house and family matters to attend to. When I do answer and talk to them and explain "I'm not sure when I can make a payment", they refer to it as "refusal to pay" which I find absolutely ridiculous! How am I refusing to pay when I explain my situation as to why I cannot make a payment today or within the next week? I am not refusing anything, I am just unable to. I'm going to be saving up the little bit of money I do have to pay this off so that I can close my account with VS because I'm sick of the collection calls and sick of being told I'm refusing to pay. I don't think that anybody should have to deal with things of this nature when they are experiencing hardships.

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I received a letter from Comenity Capital Bank advising they had put a "hold" on my credit card. They indicated I had made a purchase at Forever 21. I called them as soon as I received the letter to advise them I had never applied for a credit card with them. They sent me a Fraud form about a week later and we filled it out and mailed it in. About a week later I received a bill from Forever 21 with a $27 late payment penalty so I called them again and they apologized and told me to discard the bill.

My sister was visiting us from Indiana and she saw the letter from Comenity Capital Bank and she got a bill from them just before she came to visit us in Arkansas. She also called to advise them she had never applied for a credit card with them. She was married so her last name is not the same as mine. I plan to contact Forever 21, but looks like I will have to do it by mail because I went online and could not find a customer service number to contact them. This looks like a major case of fraud over a wide area.

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The Comenity Bank is committing fraud by deliberately not processing payments until after the payment is due. I mailed my November 11, 2016 on October 20, 2016. I called customer service today and the operator stated that my payment has yet to be received. This is the third time. Fraud. I am cancelling all of my Comenity accounts today and reporting my concerns to the Better Business Bureau and the attorney general.

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They are stealing from consumers. As to not bore anyone reading this, I signed up for their card for the 0% offer on Wayfair. I got my first statement and immediately signed up for online payments (they do not allow for automatic payments...convenient) and never missed a payment. Until October, when I did miss a payment (I was traveling) and realized I had been charged interest since inception. I immediately paid off the card in full and asked why I'd been charged interest. They said Wayfair must have not sent them the fact that I was supposed to receive 0%. And now, it's past the 90 days that is in the fine print that you actually have to dispute something like this so there's nothing they can do. Watch yourself when signing up for any store credit cards that are not backed by the store itself!

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I have a second job. Like MOST jobs today, your check can go directly on a debit card. Guess what, without a routing number. I'm supposed to pay CB an additional $9 just for using my PAY CARD to make a payment on time. They charge late fees of $37 - $10 more than the monthly payment. THEY do blind phone calls, so when you answer, there's no one there. You hang up but they have a record they called you. This so-called bank is in business for the late fees. They have made over 5 times more money off me on fees, over interest. No auto payment arrangements, $9 fee to pay with a DEBIT card! Contrast. My Discover allows auto pay, has real customer SERVICE. I love Discover. I will pay off my HSN and Catherine's cards and buy stuff off Amazon with my Discover or debit card.

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I noticed two charges on my PB account. I kept wondering why I wasn't able to pay my balance down and now I know why. I was charged 838.00 for a revolving promotional?? And then another 300.00 in Finance charges. I already pay 47.00 per month in finance charges. Beware of Comenity Bank and their endless fees. This bank should definitely be investigated for consumer fraud. I have sent PB a request to remove these fees so we will see.

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I bought a present for my wife in Henri Bendel, NYC. They extended to me an Bendel credit card, administered by Comenity Bank. I paid the balance of $168.88 on time. I dialed your number and was communicated with a cumbersome system. I was asked to enter my bank account number and routing number. A few days later I dialed again and the system communicated that my balance was now zero. I then received a very aggressive letter saying that my payment had been rejected because my bank had returned the request for payment. Puzzled, I called my bank. The bank told me that no request for payment had ever been received. I called your phone line again and requested to talk with an agent. Said agent was totally inarticulate and kept repeating that I was in default because my bank had rejected the request for payment.

Every time that I said to her that no request ever reached the bank, your agent kept saying that the payment had been rejected or returned by my bank. According to her, I could pay the balance through her and pay a penalty of $9 for doing it through her. Despairing to be able to have a civilized conversation, I accepted. She said that I could do it with a VISA card, which I proceeded to do. She said that my card had been rejected also. Now this was getting scary. With my credit rating around 800 in my mind’s eye I saw it slipping away because I was becoming indebted to a shady company. I then discovered that she meant VISA debit, not credit card and she now told me that credit cards were not accepted. I finally gave my bank coordinates (the same I had entered before but somehow not accepted by Comenity) to this nincompoop and I ended up paying $177.88 instead of $168.88.

Today I received another threatening letter from you requesting a payment of $168.99, a week after I paid to your agent and 3 days it was posted in my bank. Please find enclosed my cut-in-half Henri Bendel card that you administer. I do not appreciate, or need, your harassment. Besides, you already skimmed $9 from me, and that was your plan all along. Wasn’t it? We all learn lessons through life. Some are hard to swallow, particularly when you deal with crooks.

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I am disgusted with the fees this bank charges and to make it worst the customer service reps are more like bill collectors - nasty attitudes. I pay all my bills through bill pay. All my bills are paid way before the due dates. This bank has been posting my payments which are deducted from my bank 2 days prior to due date and Comenity is deliberately posting the payment 1 day after and charging my account $30. They are despicable.

Comenity Company Profile

Company Name:
Comenity
Website:
http://www.comenity.net/